I have been PIF since NOV 2011, and have used up the entire limit on most cards. In otherwords with my BOA cards in specific I have charged $2990 on the PLat and the the other two $1990 every month so far, but pay off the bill before the statement cuts. I want to hit the lov button so bad but dont think I will get approved.

Current score - 663 ( have about $8,000 in debt reporting Penfed - 5000 & Amex SPG ( 3,000), but will Pay off when the bill will come. I am waiting for the two new BOA cards to hit six months first and then request CLI, but wanted to know do you think it would be wise to request a CLI for the graduated card. I have the longest history with this card and had a $10,000 when it was secured. As of right now all my BOA cards together only have a 7,000 limit which is nothing. My brother and I use the cards for our business and charged almost $75K since NOV 2011 and paid off in full the entire amount..

I have been PIF since NOV 2011, and have used up the entire limit on most cards. In otherwords with my BOA cards in specific I have charged $2990 on the PLat and the the other two $1990 every month so far, but pay off the bill before the statement cuts. I want to hit the lov button so bad but dont think I will get approved.

Current score - 663 ( have about $8,000 in debt reporting Penfed - 5000 & Amex SPG ( 3,000), but will Pay off when the bill will come. I am waiting for the two new BOA cards to hit six months first and then request CLI, but wanted to know do you think it would be wise to request a CLI for the graduated card. I have the longest history with this card and had a $10,000 when it was secured. As of right now all my BOA cards together only have a 7,000 limit which is nothing. My brother and I use the cards for our business and charged almost $75K since NOV 2011 and paid off in full the entire amount..

Any suggestions ??

Lay low, don't rock the boat. Use the cards you have, PIF as quickly as possible, more INQ's (could happen if they do a HP to approve the CLI) will only raise more flags with your existing creditors. Dont use more than 70% of your limits if at all possible, Sit and wait for AutoCLI's you are making the credit card companies a lot of money at the same time they may be getting nevous 11 inq's and new cards in a single month, Since most of your accounts are new they all are probably doing SP's 2-3 times a month each. So they can see what is going on.

If you manage to keep and the accounts and cash flow for coming for a year, your creditors will probably be very happy and will give you CLI's and perhaps more but creditors want smooth sailing at the start of the relationship.

Re: CLI..... when should I ask ???

Thanks for the advice.... I really dont care about CLI for any of my cards except Bank of America cards.... My brother and I have a good relationship with them, and I used to have a secured card with them on just one card for 10K, then they unsecured it for only 3K. But then the following week gave me 2 cards with 2k limit on each... So the unsecured one have had for 1 year 7 months ( the 3K one) and the other 2 for only 3 months now... Have ran about 20K on all 3 cards together in the past 3 months and PIF on due date or before statement cuts...I read that BOA does a soft pull so thought it would be ok to go for it... When I got approved for the 2 new cards they told me that the limits are low, but after some history I should call back and try for a CLI... at least that what the rep told me.

Re: CLI..... when should I ask ???

+1 Getting that many cards in one month is a real anomaly. I wouldn't rock the boat AT ALL! Anything that draws attention to your CR could mean AA or CLD. You're really pushing your luck getting that many cards at once.

If you get any auto-CLIs, consider yourself lucky. I wouldn't even *think* CLI request for at least a year.

I have been PIF since NOV 2011, and have used up the entire limit on most cards. In otherwords with my BOA cards in specific I have charged $2990 on the PLat and the the other two $1990 every month so far, but pay off the bill before the statement cuts. I want to hit the lov button so bad but dont think I will get approved.

Current score - 663 ( have about $8,000 in debt reporting Penfed - 5000 & Amex SPG ( 3,000), but will Pay off when the bill will come. I am waiting for the two new BOA cards to hit six months first and then request CLI, but wanted to know do you think it would be wise to request a CLI for the graduated card. I have the longest history with this card and had a $10,000 when it was secured. As of right now all my BOA cards together only have a 7,000 limit which is nothing. My brother and I use the cards for our business and charged almost $75K since NOV 2011 and paid off in full the entire amount..

Any suggestions ??

I wouldn't be asking for any CLI's with that many new accounts right. You need to garden for a least a year. All your going to do is rock the boat esp. with Barclay's (if they already aren't on to you)

Re: CLI..... when should I ask ???

Whew...I would heed the advice already given in the responses...lay low, let them age, and hope you keep all of the accounts that were recently opened. I'm surprised Barclay's hasn't barked loudly already. The CLIs will come once some time has passed.

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